Apparatus (10) loads product in the form of bags into a carton held at a tilt angle. The leading ends of the bags on an adjustment conveyor (20) are abutted by a bumper (30) to reorient the bags 90° on the adjustment conveyor (20). The downstream roller (44) of a twist conveyor (40) is tilted to collate bags on a decline conveyor (70). The collated bags are moved on an orientation conveyor (74) to engage a product scoop (110) extending at an inclined position and moved to a vertical position to vertically orient the bags. The orientation conveyor (74) is moved to an offset position to allow the bags to drop onto a lowerator (92) of an accumulator (86) where they can be sandwiched between retainer plates (88, 90). A pusher plate (94) pushes the bags off the lowerator (92) into the carton and is tilted to correspond to the tilt angle of the carton.